Usually get a fair deal with motor insurance, but felt rcent experience with the AA has put me off them for life.
Insured a 2012 TDM fully comp as an additon to the garage, so zero NCB and £113 was a good deal considering the £250 excess and that AXA was the insurer.
After a couple of months had the offer of another bike that I have had an eye on for a while and insured it elsewhere then sold the TDM.
My faithfull Enfield Himalyan is a much lower insuramce group and lower value, yet AA wanted £157 to cover it for the 10 months to end of policy, of which £30 was admin fee. When I contacted them for a new quote for the Himi and TDM, guess what, the Enfeild was £78 and the TDM £121 with the same underwriter and terms etc. The maths simply does not work out and the advisor I spoke to could offer no explanation and refused to connect me to someone who could do so.
If I cancel the TDM policy there is no refund due to a £50 admin fee I think 12% insurance premium tax deduction and a £25 claw back from the price comparison site (which only saved about £8 over going direct to AA). This is in the small print, but I was not expecting to sell the TDM and if I did, had no expectation that AA would rip me off to the extent where cancellation was in fact more cost effective.
Seems they don't want the business, they can keep it.
Eventually got the replacement bike and Enfield covered for less than what AA quoted for just one of them.
There is a change in the law iminently to the effect that insurers cannot charge more for cover mid term than on renewal, but not sure of the specifics of this and any caveats so to speak.
Keep,ypur wits about you folks.
Insured a 2012 TDM fully comp as an additon to the garage, so zero NCB and £113 was a good deal considering the £250 excess and that AXA was the insurer.
After a couple of months had the offer of another bike that I have had an eye on for a while and insured it elsewhere then sold the TDM.
My faithfull Enfield Himalyan is a much lower insuramce group and lower value, yet AA wanted £157 to cover it for the 10 months to end of policy, of which £30 was admin fee. When I contacted them for a new quote for the Himi and TDM, guess what, the Enfeild was £78 and the TDM £121 with the same underwriter and terms etc. The maths simply does not work out and the advisor I spoke to could offer no explanation and refused to connect me to someone who could do so.
If I cancel the TDM policy there is no refund due to a £50 admin fee I think 12% insurance premium tax deduction and a £25 claw back from the price comparison site (which only saved about £8 over going direct to AA). This is in the small print, but I was not expecting to sell the TDM and if I did, had no expectation that AA would rip me off to the extent where cancellation was in fact more cost effective.
Seems they don't want the business, they can keep it.
Eventually got the replacement bike and Enfield covered for less than what AA quoted for just one of them.
There is a change in the law iminently to the effect that insurers cannot charge more for cover mid term than on renewal, but not sure of the specifics of this and any caveats so to speak.
Keep,ypur wits about you folks.